Home Insurance in Monroeville, Indiana
With a median home value of $128,000, Monroeville is 40% lower than the Allen County median.
The typical home in Monroeville was built around 1963. About 48% of homes were built before 1960, about 20 points above Allen County's 28%. Because older housing stock often has aging wiring, roofing or plumbing, it can cost more to insure or rebuild.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Monroeville is 83% single-family homes, 5% apartments in buildings with 5+ units and 12% mobile or manufactured homes.
In Monroeville, about 45% of owner-occupied homes have a mortgage - lenders require hazard insurance on every mortgaged home.
Monroeville has an owner-occupancy rate of 66% and a vacancy rate of 4%; unoccupied homes typically need a different coverage form.
Most homes in Monroeville - 77% - are primarily heated with natural gas. Homes heated with propane can carry added fire risk. Fuel-tank leaks and spills are often excluded from standard homeowners policies.
Allen County had 586 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is strong wind (Relatively High). See the full Allen County home insurance overview for all FEMA hazard ratings and flood coverage details.
According to the NAIC homeowners insurance report (2023 data), a standard HO-3 homeowners policy in Indiana carries a statewide average premium of $1,259 per year.
Key figures
| Median home value | $128,000 |
|---|---|
| Median year built | 1963 |
| Owner-occupied share | 66% |
| Share of owner-occupied homes with a mortgage | 45% |
| Top county hazard | Strong Wind (Relatively High) |
| Active NFIP policies in Allen County | 586 |
| Home insurance premium | $1,259 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)